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    • Yes they are waking up to the fact that they  have over centralised stuff, and there is no proper local provision any more, Hancock is treating it as a National outbreak, not the many localised ones now  often centred around General Hospitals, as infection and reinfection agents. PHE PHW, and PHS have no capacity for any real localised Track & trace, having removed the Council Environmental & Public Health Departments out of the equation.  All they have is Hancock's busted App, and an army of badly trained call centre grunts.   Says care worker to old Mrs Jones, and  "you really need to install that app so they can see you aren't going out"   Mrs Jones gets out a cheap candybar feature phone, and says, "can't install apps on that  only phone and text, so don't need smartphone"   Interesting look at age demographic for smartphone ownership, is 70% age 55 -64 still low enough to dent Hancocks app effectiveness.   Other issue, many at risk homeless, low income also only have feature phones issued by care agencies or charities  People released on tag who are in hostels are often issued with something likea £10 samsung/Nokia/Alcatel candybar, 2G  non internet capable phone.   https://www.statista.com/statistics/271851/smartphone-owners-in-the-united-kingdom-uk-by-age/
    • By the way, the reason that you wouldn't proceed against Paclink is because they are out of the jurisdiction – in Spain
    • Good point, BN.   Changing the subject a bit, Directors of Public Health have written to the goverment expressing serious concerns about the easing of lockdown.   https://www.adph.org.uk/2020/05/adph-presidential-blog-a-time-for-steady-leadership-careful-preparation-and-measured-steps/
    • Thank you – and I understand that you didn't take out any compensation cover. You should read around some of the Hermes threads on this forum. I have always taken the view that once you pay for the delivery costs, then you are entitled to have the item delivered safely and if not then the delivery company is in breach – and in fact the delivery broker – Paclink is also in breach. I think it should be unnecessary for you to insure yourself against the breach of their service provider. It is the service provider who should insure themselves against any incidents of loss parcels. The Joe Lycett's got your back programme on Hermes was extremely useful. I notice that there are a couple of instances of it on YouTube. Of course they are in breach of copyright and it wouldn't at all surprise me if they are taken down at some point. I suggest that you make fairly urgent arrangements to get a copy of this program onto your computer because you may need it. It would not be a breach of copyright to produce it before a court – although the judge may already have seen it or have heard it. Have you actually began a claim against Hermes? I think you should begin their claims process immediately – but I certainly think that you should download a copy of the programme immediately as well. Of course Hermes will try to say that you are not their customer and that  their client is Paclink. Of course that is true. On that basis Hermes will try to say that they are out of your reach in terms of bringing a legal action because you are not party to their contract with Paclink. However, Under the Contracts (Rights of Third Parties) Act, where the contract is clearly intended to address you as a beneficiary and where your interests are not specifically excluded by the contract, then you inherit all of the rights of the contracting parties – as if you were a party to the contract. So I suggest that you begin the claims process against Hermes, download the programme so that you have got that safely stored away in your armoury and then come back here with the results of your Hermes complaint. I can predict fairly confidently now that you will have to threaten a legal action – and probably you will have to issue the papers. There is then a chance that Hermes may put their hands up – but on the other hand they may decide to test your resolve by forcing you onto the next step where you have to pay hearing fee. If you do that then they will start to take you more seriously and then they may put their hands up – but they may decide to go all the way and see you in court. Because you are a litigant in person – even though you would be the claimant, the case would be transferred to your local court. That would produce logistical problems for Hermes who would have to instruct a local legal representative and they would incur costs there. These costs will not be recoverable under the small claims rules because your claim would be for less than £10,000. If you won the case then you would get your money, plus interest – presently at 8% (a nice earner) plus your costs. Your risk factors are that if you lost, then you would come away empty-handed but also you will be out of pocket to the tune of your fees and you would probably have to pay for the reasonable costs of travel for the Hermes legal representative – but that would be it. On the basis of what you have told us, I consider that your eventual chances of success at about 85%. Hermes risk factors include having to pay you back the value of your item, having to refund you your court costs and your reasonable costs of travel – but more significantly for Hermes, a defeat in court where they try to rely on the fact that you hadn't bought a compensation package would send a good message across an industry which seems to have produced a culture going back there are 30 or 40 years where customers who pay their money now believe that they must also pay to insure against the negligence of their own service providers – two home have they have already paid the contractual price of performance. How this ever happened is a mystery to me.  
    • The concerns go beyond the ORG worries, the companies and people involved Serco, G4S, and Dido Harding don't inspire confidence in their ability to prevent data leaks to begin with. Be so easy to add a "Refused vaccination" flag, or refused ID Chip for unrestricted access to services.  in there.
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CELTICFAIRPLAY

Beware Royal And Sun Alliance Buildings Insurance

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Recently we had a blocked waste water pipe that carried water away from our kitchen (sink & dishwasher) it was concealed behind the fitted kitchen and in the next room (toilet) the same pipe was boxed in. (the pipe ran the width of our house)

 

To cut a long story short ,due to the blockage the pipe split on the joint and had been leaking(unknown to us)for some time,eventually,it soaked through the ceiling boards and last Sunday the dishwasher kindly poured its water discharge via the damaged pipe into the room below bringing down part of the ceiling below.

We called in a builder on the Sunday afternoon to make good emergency repairs and discover the source of the leak to which he had to smash the tiles covering the boxed pipework in the bathroom to access the boxed in pipe.

We contacted RSA on the Monday morning to lodge our claim......beware

 

They say leaking internal pipes are WEAR AND TEAR and are not covered in buildings insurance ,on page 16 of their booklet they have a vague exclusion statement which they claim covers this incident

"Any loss ,damage,liabiliy,cost or expense of any kind caused by resulting from wear and tear,depreciation,corrosion,rusting,damp,insects,vermin,fungus,condensation,fading,frost or anything that happens gradually,including the renovation or restoration caused or any consequential loss.

 

I explained that it was not wear and tear but pressure due to the blockage put the plastic waste pipe joint under pressure resulting in the leakage and damage,not only will they not pay fro the pipe to be repaired or renewed they refuse to pay for the cost of reboxing in the pipe and tiling !!

 

Be warned of ROYAL AND SUN ALLIANCE .:mad:

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Are they covering you for the clean up costs, e.g. the ceiling replacement?


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They state that they will only cover actual damage caused by the water to the "building structure",ie the repair and decoration of the ceiling of the room below or anything under the buildings policy directly effected by the result of/following the actual leak,any cost related to the accessing of ,discovery of,or repair of the source will not be covered.

 

My point to RSA is ,it was not wear and tear ,if the pipe had not blocked,the waste pipe would not have leaked.

 

And where does wear and tear begin or end in such a vague exclusion!

 

 

This is my first claim ever on our Buildings Policy,it doeas make you think that it does not pay to be honest with Insurance Companies.

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we had them for flood cover in the north wales floods they would nt pay out right up until the court room doors then they settled plus damages they are about the most horrible insurance company you could ever hope to meet and if i were you i would have them in court as soon as possible take it to the small claims go for it mate make a judge decide ,otherwise they will keep you arguing for years ,just dont mess with them prosecute

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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It is not unusual for insurance policies not to cover the repair to item that caused the damage.

However, they usually cover you for the losses arising as a result, e.g. any water damage.

The repair cost is usually a minor part of the claim so does not usually cause a problem and sometimes the insurer just pays for it or it get lost in a claim.

However, I see that this is not the case with you.

Essentially they will not cover for repairs and maintenance of your house, but should cover the clean up costs.

Notwithstanding do not take insurer's first answer, keep pushing them.


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GuidoT

 

Are you saying that if my electrical wiring caught fire and burnt the room down I would have to pay the cost of rewiring and redecorating the walls after digging embedded cables out !

 

The principle is the same.

 

The main argument I have with RSA is that they will not pay to reinstate the tiles and fittings that surrounded the pipe.They had to be removed to access the pipe to FIND the leak ,it was the only way to repair and the plumber and builder had to remove the materials that now have to be replaced.

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I think I would advise that whenever you have these repairs made, have a little hatch so that the pipes are accessible, so this problem doesn't occur again, this is what I have always done, because it is sods law that say that you will want to get to the pipe that you have boxed in.


Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Consider, for example if your problem was discovered before it caused any damage, would it then be covered from an insurance perspective or would you just call out a plumber.

 

It is sometimes not easy to separate the costs of repairing the offending item from the clean up costs as they are sometimes inextricably linked.

 

If possible you should be arguing with the RSA that the tiles had to be replaced because they were damaged by the water and not to repair the pipe.

 

Liability insurance does not cover you for pure economic loss, it is focused on damage to objects (or death or personal injury).

 

I will see if I can locate something for you to read on the subject. I do not expect to find something simple as it a complex area of the law.


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As I expected not very straightfoward, see that below which explains pure economic loss in the context of negligence.

Keating on Building Contracts 206-208.pdf


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See also here at page 200, section 24.

 

If that lot does not confuse you too much, you are doing well.


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as a tiling contractor i have always sent the estimate to the client before work commences and if the tiles are not stock items but special or discontinued then it means a re tile ,i have never had problems execpt with the one and only company RSA they are notorious for get out clauses...but regardless of get out clause they are liable to pay for the repairs to any work undertaken by the builder ,only if agreed get yourself an independant loss adjuster but make sure they work for you and not rsa

patrickq1


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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as a tiling contractor i have always sent the estimate to the client before work commences and if the tiles are not stock items but special or discontinued then it means a re tile ,i have never had problems execpt with the one and only company RSA they are notorious for get out clauses...but regardless of get out clause they are liable to pay for the repairs to any work undertaken by the builder ,only if agreed get yourself an independant loss adjuster but make sure they work for you and not rsa

patrickq1

 

Celticfairplay needs a LOSS ASSESSOR not a Loss Adjuster. Loss Adjusters work for the insurance company. Loss Assessors are independent.:cool::|

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Thread moved here.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Celticfairplay

 

Most buildings insurance policies contain a trace and access extension under the Material Damage section, which allows for you to claim for the costs of tracing and accessing such things as leaking pipes. I am very surprised that RSA either do not have such an extension, or are plainly being pretty dim.

 

MC


WOOLWICH -S.A.R - (Subject Access Request) sent 03/03/07 :cool:

LBA sent for non-compliance with Data Protection Act 28/04/07 :mad:

 

ABBEY - S.A.R - (Subject Access Request) sent 03/03/07 8)

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I do hope the CEO @rsagroup enjoys his £5 Million wage packet. I, on the other hand, will now have to save money to pay for my damaged porch. I hope the people who read this will think twice before handing their money

over to this group of Leeches.

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ive always maintained that this shower of worms are bordering on the edge of legality (trust us )their quote send out their own loss adjusters who will then delberately try to find fault on your part..just to get out of paying LVis the same company


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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I do hope the CEO @rsagroup enjoys his £5 Million wage packet. I, on the other hand, will now have to save money to pay for my damaged porch. I hope the people who read this will think twice before handing their money

over to this group of Leeches.

 

 

Hello and welcome to CAG. If you'd like us to help, please start a new thread of your own.

 

 

Best, HB


Illegitimi non carborundum

 

 

 

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